Research by https://x.com/fabioseva - Information current as of October 2025. Always verify latest terms, availability, and fees before applying. Please DM for fix and updates.

Crypto Card Providers

Fees Comparison

Cashback & Rewards

<aside>

⚠️ Critical Privacy Warning

20 out of 23 card providers operate on public blockchains where every transaction is permanently visible and traceable with minimal effort:

• Your spending amounts
• Merchant identities (often)
• Wallet balances
• Full transaction history
• Spending patterns and habits

Once your identity is linked to a wallet address (through KYC, IP tracking, or other means), all past and future transactions can be traced

Only 3 Cards Offer True Transaction Privacy

• **Payy:** Uses ZK-proofs to hide transaction details on custom network
• **Haven:** Uses ZK Vaults + UTXO to unlink transaction from users’ information
• **3PAY:** Uses ZKP-STARK technology (very new, minimal track record) </aside>

Quick Summary

<aside>

Best for Maximum Privacy

• Payy
• Haven
• 3PAY </aside>

<aside>

Best Self-Custody Options

• Gnosis Pay
• EtherFi Cash
• Haven
• MetaMask Card
• Zypto Cards
• Solflare Card
• Avalanche Card
• Ready Card </aside>

<aside>

Best Cashback/Rewards

1. Kast - Up to 15% (premium tiers)
2. Bybit - Up to 10% (VIP users)
3. Ready Metal - 10%
4. SolCard - Up to 8% (via staking)
5. Binance - Up to 8% (BNB holdings)
6. Gnosis Pay - Up to 5% (GNO holdings)
7. Coinbase - Up to 4% (asset holdings) </aside>